I carry my own, not insubstantial insulation.

I used to ride all year round (at least one a month in the winter months), but with limited garage space, I figured it better that I keep the quad with the plow on hand rather than the Tiger. So for the last 2 or 3 years, it has gone in storage for half of December through early March....which is next week!
Hopefully out on the bike in the next 2 weeks or so.